| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRESIDIO GROUP3 Filed as: THE PRESIDIO GROUP INC | 5295 S 300 W #550 SALT LAKE CITY, UT 84107 | BERKLEY LIFE & HEALTH INS CO | $42K | $0 | $42K | 8.25% |
| THE PRESIDIO GROUP3 | 6967 S RIVER GATE DR #200 SALT LAKE CITY, UT 84047 | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | $3K | $0 | $3K | 1.99% |
| ABSI3 | PO BOX 57100 SALT LAKE CITY, UT 84157 | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | $3K | $0 | $3K | 1.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $142K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | 604 | $157K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 255 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.